Car insurance is essential for vehicle ownership as it provides financial protection and peace of mind on the road. However, the cost of insurance can vary significantly depending on where you live. Factors such as state regulations, demographics, driving behaviors, and even local weather conditions all influence insurance premiums.
Whether you’re a new driver exploring coverage options or a seasoned car owner looking to optimize costs, this guide will provide an in-depth analysis of the average car insurance rates by state in 2023.
Car insurance rates by age and state: Find the rate for your age group
Teen drivers have the highest insurance rates, with Louisiana having the most expensive premiums at $10,036 per year. Hawaii offers the lowest rates for teens at $1,420 per year. As drivers age, their insurance rates tend to decrease, with seniors having the lowest rates across all states.
The table below shows difference in premiums across the various age groups.
| State | Avg. car insurance rates for Teens | Avg. car insurance rates for Young Adults | Avg. car insurance rates for Adults | Avg. car insurance rates for Seniors |
| Alaska | $ 4,599 | $ 2,310 | $ 1,348 | $ 1,395 |
| Alabama | $ 5,367 | $ 2,367 | $ 1,456 | $ 1,496 |
| Arkansas | $ 5,603 | $ 2,392 | $ 1,427 | $ 1,416 |
| Arizona | $ 5,913 | $ 2,677 | $ 1,497 | $ 1,575 |
| California | $ 5,318 | $ 3,161 | $ 2,152 | $ 2,146 |
| Colorado | $ 6,194 | $ 2,863 | $ 1,809 | $ 1,842 |
| Connecticut | $ 7,436 | $ 3,204 | $ 1,759 | $ 1,866 |
| Washington D.C. | $ 6,930 | $ 3,273 | $ 1,879 | $ 1,934 |
| Delaware | $ 8,906 | $ 3,676 | $ 2,109 | $ 2,107 |
| Florida | $ 9,008 | $ 4,025 | $ 2,549 | $ 2,699 |
| Georgia | $ 6,003 | $ 2,861 | $ 1,592 | $ 1,644 |
| Hawaii | $ 1,420 | $ 1,309 | $ 1,306 | $ 1,306 |
| Iowa | $ 3,968 | $ 2,090 | $ 1,335 | $ 1,241 |
| Idaho | $ 4,228 | $ 1,838 | $ 1,060 | $ 1,081 |
| Illinois | $ 5,553 | $ 2,622 | $ 1,407 | $ 1,424 |
| Indiana | $ 3,766 | $ 1,886 | $ 1,196 | $ 1,220 |
| Kansas | $ 4,921 | $ 2,410 | $ 1,522 | $ 1,466 |
| Kentucky | $ 6,347 | $ 3,146 | $ 1,874 | $ 1,916 |
| Louisiana | $ 10,036 | $ 4,360 | $ 2,550 | $ 2,587 |
| Massachusetts | $ 5,611 | $ 2,404 | $ 1,521 | $ 1,280 |
| Maryland | $ 5,663 | $ 2,986 | $ 1,530 | $ 1,605 |
| Maine | $ 3,944 | $ 2,014 | $ 1,148 | $ 1,061 |
| Michigan | $ 6,856 | $ 3,461 | $ 2,118 | $ 2,149 |
| Minnesota | $ 4,267 | $ 2,460 | $ 1,467 | $ 1,444 |
| Missouri | $ 6,701 | $ 3,355 | $ 1,979 | $ 1,865 |
| Mississippi | $ 5,306 | $ 2,566 | $ 1,510 | $ 1,532 |
| Montana | $ 5,601 | $ 2,795 | $ 1,734 | $ 1,735 |
| North Carolina | $ 2,847 | $ 1,573 | $ 1,315 | $ 1,321 |
| North Dakota | $ 4,838 | $ 2,111 | $ 1,295 | $ 1,229 |
| Nebraska | $ 5,820 | $ 3,025 | $ 1,983 | $ 1,901 |
| New Hampshire | $ 4,822 | $ 2,505 | $ 1,318 | $ 1,340 |
| New Jersey | $ 7,165 | $ 3,087 | $ 1,929 | $ 1,980 |
| New Mexico | $ 4,840 | $ 2,418 | $ 1,520 | $ 1,540 |
| Nevada | $ 7,139 | $ 3,392 | $ 1,978 | $ 2,109 |
| New York | $ 6,238 | $ 3,331 | $ 2,050 | $ 2,237 |
| Ohio | $ 3,651 | $ 1,693 | $ 1,014 | $ 1,028 |
| Oklahoma | $ 6,322 | $ 2,892 | $ 1,710 | $ 1,678 |
| Oregon | $ 4,480 | $ 2,029 | $ 1,227 | $ 1,291 |
| Pennsylvania | $ 4,979 | $ 2,299 | $ 1,271 | $ 1,248 |
| Rhode Island | $ 8,082 | $ 3,136 | $ 1,740 | $ 1,919 |
| South Carolina | $ 5,970 | $ 3,197 | $ 1,939 | $ 1,994 |
| South Dakota | $ 5,122 | $ 2,522 | $ 1,575 | $ 1,452 |
| Tennessee | $ 5,270 | $ 2,255 | $ 1,332 | $ 1,347 |
| Texas | $ 6,554 | $ 3,203 | $ 1,813 | $ 1,916 |
| Utah | $ 5,804 | $ 2,396 | $ 1,420 | $ 1,507 |
| Virginia | $ 4,439 | $ 2,194 | $ 1,240 | $ 1,298 |
| Vermont | $ 3,504 | $ 1,962 | $ 1,119 | $ 1,165 |
| Washington | $ 4,153 | $ 2,109 | $ 1,222 | $ 1,280 |
| Wisconsin | $ 4,819 | $ 2,263 | $ 1,334 | $ 1,301 |
| West Virginia | $ 5,709 | $ 2,965 | $ 1,549 | $ 1,570 |
| Wyoming | $ 5,192 | $ 2,887 | $ 1,631 | $ 1,711 |
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Teens: Breaking the Bank
Poor teens, driving might feel like freedom, but it comes at a steep price! The state with the highest average premium for teens is Louisiana at a whopping $10,036 per year—ouch! Meanwhile, Hawaii is the paradise you’d expect, with an average teen premium of just $1,420. If only they could export that calm to the rest of us. -
Young Adults: Slightly Better, but Still Pricey
Young adults might finally start to see the light, but it’s still not cheap. Florida hits them hard with an average annual premium of $4,025, while in Hawaii, you’re still cruising at just $1,309. Looks like the Aloha State wins again in the insurance game! -
Adults: The Golden Age of Insurance
Adulthood finally brings some relief! The cheapest rates for adults can be found in Ohio at just $1,014 annually, while Florida and Louisiana are still throwing punches at around $2,550. Pro tip: if you’re looking to save, consider a move to the Midwest! -
Seniors: Discounts for the Golden Years?
For seniors, things level out, but Florida (again!) stays at the high end with an average premium of $2,699, while Idaho offers a mellow retirement at just $1,081 per year. Apparently, potato country has more to offer than just spuds!
Car insurance rates by gender and state: Uncover the gender-based differences in insurance pricing
In most states, the average car insurance rates for males and females differ slightly. While some states show higher rates for males, others show higher rates for females. It is important to note that in states like California, Hawaii, Massachusetts, Montana, North Carolina, and Michigan, there is no difference in insurance rates between genders.
| State | Annual car insurance rates for Female | Annual car insurance rates for Male |
| Alaska | $ 1,349 | $ 1,359 |
| Alabama | $ 1,461 | $ 1,442 |
| Arkansas | $ 1,425 | $ 1,420 |
| Arizona | $ 1,476 | $ 1,484 |
| California | $ 2,110 | $ 2,110 |
| Colorado | $ 1,809 | $ 1,804 |
| Connecticut | $ 1,731 | $ 1,741 |
| Washington D.C. | $ 1,833 | $ 1,858 |
| Delaware | $ 2,159 | $ 2,111 |
| Florida | $ 2,650 | $ 2,517 |
| Georgia | $ 1,585 | $ 1,555 |
| Hawaii | $ 1,306 | $ 1,306 |
| Iowa | $ 1,317 | $ 1,321 |
| Idaho | $ 1,038 | $ 1,052 |
| Illinois | $ 1,371 | $ 1,384 |
| Indiana | $ 1,184 | $ 1,184 |
| Kansas | $ 1,531 | $ 1,526 |
| Kentucky | $ 1,874 | $ 1,864 |
| Louisiana | $ 2,583 | $ 2,487 |
| Massachusetts | $ 1,528 | $ 1,528 |
| Maryland | $ 1,468 | $ 1,504 |
| Maine | $ 1,079 | $ 1,122 |
| Michigan | $ 2,158 | $ 2,158 |
| Minnesota | $ 1,444 | $ 1,482 |
| Missouri | $ 1,913 | $ 1,984 |
| Mississippi | $ 1,490 | $ 1,498 |
| Montana | $ 1,751 | $ 1,751 |
| North Carolina | $ 1,324 | $ 1,324 |
| North Dakota | $ 1,276 | $ 1,295 |
| Nebraska | $ 1,935 | $ 1,976 |
| New Hampshire | $ 1,270 | $ 1,266 |
| New Jersey | $ 1,947 | $ 1,910 |
| New Mexico | $ 1,524 | $ 1,509 |
| Nevada | $ 1,987 | $ 1,969 |
| New York | $ 2,124 | $ 2,020 |
| Ohio | $ 1,001 | $ 996 |
| Oklahoma | $ 1,708 | $ 1,692 |
| Oregon | $ 1,281 | $ 1,217 |
| Pennsylvania | $ 1,256 | $ 1,256 |
| Rhode Island | $ 1,716 | $ 1,717 |
| South Carolina | $ 1,910 | $ 1,894 |
| South Dakota | $ 1,524 | $ 1,581 |
| Tennessee | $ 1,314 | $ 1,311 |
| Texas | $ 1,799 | $ 1,794 |
| Utah | $ 1,442 | $ 1,414 |
| Virginia | $ 1,220 | $ 1,227 |
| Vermont | $ 1,059 | $ 1,102 |
| Washington | $ 1,223 | $ 1,203 |
| Wisconsin | $ 1,297 | $ 1,325 |
| West Virginia | $ 1,545 | $ 1,528 |
| Wyoming | $ 1,575 | $ 1,659 |
Average car insurance rates by coverage level in state: Choose the right coverage for your needs
The data table on average car insurance rates by coverage level highlights the impact of coverage limits on insurance premiums. As expected, state minimum liability-only coverage offers the lowest rates, while 100/300/100 liability with a $500 comprehensive and collision deductible results in the highest premiums. It is important for drivers to consider their specific needs and select the right coverage level that provides adequate protection without being too expensive.
| State | State Minimum Liability Only | 50/100/50 Liability Only | 100/300/100 Liability with $500 Comp/Coll Deductible |
| Alaska | $ 336 | $ 414 | $ 1,359 |
| Alabama | $ 372 | $ 520 | $ 1,442 |
| Arkansas | $ 349 | $ 428 | $ 1,420 |
| Arizona | $ 452 | $ 636 | $ 1,484 |
| California | $ 578 | $ 853 | $ 2,110 |
| Colorado | $ 437 | $ 705 | $ 1,804 |
| Connecticut | $ 751 | $ 834 | $ 1,741 |
| Washington D.C. | $ 577 | $ 663 | $ 1,858 |
| Delaware | $ 835 | $ 1,022 | $ 2,111 |
| Florida | $ 878 | $ 1,536 | $ 2,517 |
| Georgia | $ 504 | $ 626 | $ 1,555 |
| Hawaii | $ 389 | $ 519 | $ 1,306 |
| Iowa | $ 263 | $ 318 | $ 1,321 |
| Idaho | $ 294 | $ 352 | $ 1,052 |
| Illinois | $ 423 | $ 471 | $ 1,384 |
| Indiana | $ 346 | $ 400 | $ 1,184 |
| Kansas | $ 380 | $ 405 | $ 1,526 |
| Kentucky | $ 579 | $ 766 | $ 1,864 |
| Louisiana | $ 623 | $ 1,147 | $ 2,487 |
| Massachusetts | $ 534 | $ 653 | $ 1,528 |
| Maryland | $ 580 | $ 618 | $ 1,504 |
| Maine | $ 338 | $ 342 | $ 1,122 |
| Michigan | $ 731 | $ 778 | $ 2,158 |
| Minnesota | $ 475 | $ 511 | $ 1,482 |
| Missouri | $ 484 | $ 553 | $ 1,984 |
| Mississippi | $ 406 | $ 551 | $ 1,498 |
| Montana | $ 343 | $ 482 | $ 1,751 |
| North Carolina | $ 385 | $ 424 | $ 1,324 |
| North Dakota | $ 329 | $ 344 | $ 1,295 |
| Nebraska | $ 321 | $ 355 | $ 1,976 |
| New Hampshire | $ 395 | $ 430 | $ 1,266 |
| New Jersey | $ 994 | $ 1,134 | $ 1,910 |
| New Mexico | $ 372 | $ 546 | $ 1,509 |
| Nevada | $ 655 | $ 976 | $ 1,969 |
| New York | $ 875 | $ 960 | $ 2,020 |
| Ohio | $ 287 | $ 345 | $ 996 |
| Oklahoma | $ 329 | $ 509 | $ 1,692 |
| Oregon | $ 535 | $ 580 | $ 1,217 |
| Pennsylvania | $ 315 | $ 410 | $ 1,256 |
| Rhode Island | $ 593 | $ 736 | $ 1,717 |
| South Carolina | $ 628 | $ 793 | $ 1,894 |
| South Dakota | $ 267 | $ 289 | $ 1,581 |
| Tennessee | $ 329 | $ 409 | $ 1,311 |
| Texas | $ 509 | $ 630 | $ 1,794 |
| Utah | $ 501 | $ 619 | $ 1,414 |
| Virginia | $ 444 | $ 457 | $ 1,227 |
| Vermont | $ 285 | $ 315 | $ 1,102 |
| Washington | $ 443 | $ 584 | $ 1,203 |
| Wisconsin | $ 324 | $ 365 | $ 1,325 |
| West Virginia | $ 430 | $ 486 | $ 1,528 |
| Wyoming | $ 288 | $ 328 | $ 1,659 |
Most expensive states for car insurance: Discover the states with high insurance rates
The most expensive states for car insurance include Florida, Louisiana, Michigan, Delaware, and California, with average full coverage rates ranging from $2,110 to $2,517.
| State | Full coverage car insurance rates |
| Florida | $ 2,517 |
| Louisiana | $ 2,487 |
| Michigan | $ 2,158 |
| Delaware | $ 2,111 |
| California | $ 2,110 |
| New York | $ 2,020 |
| Missouri | $ 1,984 |
| Nebraska | $ 1,976 |
| Nevada | $ 1,969 |
| New Jersey | $ 1,910 |
Least expensive states for car insurance: Find affordable coverage in your state
The least expensive states for car insurance are Ohio, Idaho, Vermont, Maine, and Indiana, with average full coverage rates ranging between $996 and $1,184.
| State | Full coverage car insurance rates |
| Ohio | $ 996 |
| Idaho | $ 1,052 |
| Vermont | $ 1,102 |
| Maine | $ 1,122 |
| Indiana | $ 1,184 |
| Washington | $ 1,203 |
| Oregon | $ 1,217 |
| Virginia | $ 1,227 |
| Pennsylvania | $ 1,256 |
| New Hampshire | $ 1,266 |
Rates after accident in state: Understand the impact of accidents on insurance rates
Insurance rates can increase quite dramatically after an accident. In some states, the increase can be as high as 80%. This highlights the importance of maintaining a clean driving record and being cautious on the roads to avoid accidents.
The impact of an accident on insurance rates varies significantly from state to state. For example, drivers in California may see their rates go up by 73% after an accident, while those in Michigan may see only a 23% increase. This could be due to factors such as state regulations and the overall risk profile of drivers in the state.
Some states stand out for their particularly high rate increases after an accident. These include California (73%), Arizona (60%), and New Jersey (59%). If you live in one of these states, it’s especially important to practice safe driving habits to avoid accidents and keep your insurance rates in check.
On the other hand, states like Michigan (23%), Montana (27%), and Alaska (28%) have comparatively lower rate increases after an accident. While it’s still important to drive safely in these states, the consequences of an accident on your insurance rates may not be as severe as in other states.
| State | Car insurance rates before accident | Car insurance rates after accident |
| Alaska | $1,286 | $1,880 |
| Alabama | $1,503 | $2,228 |
| Arkansas | $1,475 | $2,302 |
| Arizona | $1,665 | $2,546 |
| California | $2,206 | $3,934 |
| Colorado | $1,970 | $2,750 |
| Connecticut | $1,461 | $2,206 |
| Washington D.C. | $1,909 | $2,791 |
| Delaware | $1,730 | $2,384 |
| Florida | $2,927 | $4,306 |
| Georgia | $1,597 | $2,545 |
| Hawaii | $1,309 | $1,841 |
| Iowa | $1,241 | $1,733 |
| Idaho | $1,015 | $1,396 |
| Illinois | $1,368 | $2,088 |
| Indiana | $1,279 | $2,000 |
| Kansas | $1,488 | $2,022 |
| Kentucky | $1,857 | $2,788 |
| Louisiana | $3,121 | $5,070 |
| Massachusetts | $1,760 | $2,698 |
| Maryland | $1,981 | $3,092 |
| Maine | $1,072 | $1,585 |
| Michigan | $4,013 | $5,767 |
| Minnesota | $1,699 | $2,382 |
| Missouri | $2,403 | $3,825 |
| Mississippi | $1,407 | $2,093 |
| Montana | $1,766 | $2,544 |
| North Carolina | $1,396 | $2,361 |
| North Dakota | $1,239 | $1,692 |
| Nebraska | $1,861 | $2,642 |
| New Hampshire | $949 | $1,387 |
| New Jersey | $2,228 | $4,005 |
| New Mexico | $1,686 | $2,310 |
| Nevada | $2,371 | $3,578 |
| New York | $1,822 | $2,327 |
| Ohio | $1,110 | $1,673 |
| Oklahoma | $1,836 | $2,794 |
| Oregon | $1,461 | $2,227 |
| Pennsylvania | $1,297 | $1,698 |
| Rhode Island | $1,793 | $2,046 |
| South Carolina | $1,804 | $2,587 |
| South Dakota | $1,585 | $2,256 |
| Tennessee | $1,308 | $2,028 |
| Texas | $1,969 | $3,238 |
| Utah | $1,582 | $2,349 |
| Virginia | $1,230 | $1,853 |
| Vermont | $1,081 | $1,554 |
| Washington | $1,325 | $1,873 |
| Wisconsin | $1,587 | $2,430 |
| West Virginia | $1,413 | $2,078 |
| Wyoming | $1,812 | $2,373 |
Rates after DUI in state: Consequences of a DUI on car insurance rates
A DUI or DWI offense can have a significant impact on car insurance rates in the United States. Let’s take a closer look at the table below to understand how various states are affected by DUI offenses and the corresponding changes in insurance rates.
The financial consequences of a DUI conviction by state
On average, a DUI offense can increase car insurance rates by 80.3%, with some states seeing even more significant jumps. For instance, California residents can expect their car insurance rates to skyrocket by 176.9% following a DUI, while North Carolina residents face a 310% increase.
While some states have relatively lower increases in insurance rates after a DUI. For example, Iowa sees a 44.2% increase, while New Hampshire experiences a 68% jump.
| State | Rates before offense | Rates after first DUI/DWI offense |
| Alaska | $ 1,286 | $ 1,855 |
| Alabama | $ 1,503 | $ 2,356 |
| Arkansas | $ 1,475 | $ 2,442 |
| Arizona | $ 1,665 | $ 2,737 |
| California | $ 2,206 | $ 6,111 |
| Colorado | $ 1,970 | $ 3,002 |
| Connecticut | $ 1,461 | $ 2,587 |
| Washington D.C. | $ 1,909 | $ 3,050 |
| Delaware | $ 1,730 | $ 2,693 |
| Florida | $ 2,927 | $ 3,997 |
| Georgia | $ 1,597 | $ 2,837 |
| Hawaii | $ 1,309 | $ 4,150 |
| Iowa | $ 1,241 | $ 1,790 |
| Idaho | $ 1,015 | $ 1,670 |
| Illinois | $ 1,368 | $ 2,388 |
| Indiana | $ 1,279 | $ 2,060 |
| Kansas | $ 1,488 | $ 2,492 |
| Kentucky | $ 1,857 | $ 3,201 |
| Louisiana | $ 3,121 | $ 4,876 |
| Massachusetts | $ 1,760 | $ 3,137 |
| Maryland | $ 1,981 | $ 3,163 |
| Maine | $ 1,072 | $ 1,579 |
| Michigan | $ 4,013 | $ 10,260 |
| Minnesota | $ 1,699 | $ 3,375 |
| Missouri | $ 2,403 | $ 3,376 |
| Mississippi | $ 1,407 | $ 2,378 |
| Montana | $ 1,766 | $ 2,786 |
| North Carolina | $ 1,396 | $ 5,726 |
| North Dakota | $ 1,239 | $ 2,163 |
| Nebraska | $ 1,861 | $ 3,246 |
| New Hampshire | $ 949 | $ 1,595 |
| New Jersey | $ 2,228 | $ 3,850 |
| New Mexico | $ 1,686 | $ 2,423 |
| Nevada | $ 2,371 | $ 3,885 |
| New York | $ 1,822 | $ 2,718 |
| Ohio | $ 1,110 | $ 1,688 |
| Oklahoma | $ 1,836 | $ 2,628 |
| Oregon | $ 1,461 | $ 2,283 |
| Pennsylvania | $ 1,297 | $ 2,072 |
| Rhode Island | $ 1,793 | $ 3,081 |
| South Carolina | $ 1,804 | $ 2,662 |
| South Dakota | $ 1,585 | $ 2,920 |
| Tennessee | $ 1,308 | $ 2,124 |
| Texas | $ 1,969 | $ 2,947 |
| Utah | $ 1,582 | $ 2,381 |
| Virginia | $ 1,230 | $ 1,819 |
| Vermont | $ 1,081 | $ 1,779 |
| Washington | $ 1,325 | $ 2,338 |
| Wisconsin | $ 1,587 | $ 2,795 |
| West Virginia | $ 1,413 | $ 2,485 |
| Wyoming | $ 1,812 | $ 3,141 |
Cheapest insurance companies by state: Get affordable coverage from top providers
Finding the cheapest insurance companies by state can be a daunting task. However, we have done the research for you and compiled a list of the most affordable full coverage car insurance rates from top providers across the United States. We will provide insights into the data to help you make an informed decision when choosing your insurance provider.
Rates vary significantly by state: The data reveals a substantial variance in car insurance rates among states. For example, the cheapest full coverage car insurance rate in Indiana, offered by Geico, is just $632, whereas the rate in Florida, also offered by Geico, is $1,554. This emphasizes the need to compare insurance rates specific to your state of residence.
State-specific providers can offer competitive rates: Some states have more local providers, such as Southern Farm Bureau in Louisiana, Auto-Owners in Maine, Palisades in New Jersey, Kemper Insurance in North Carolina, and American National Finance in Wyoming. These companies may cater to the specific needs of their state’s residents.
| State | Company Group | Full coverage car insurance rates |
| Alaska | USAA | $ 1,051 |
| Alabama | Nationwide | $ 1,007 |
| Arkansas | USAA | $ 1,043 |
| Arizona | Geico | $ 1,033 |
| California | Progressive | $ 1,466 |
| Colorado | Geico | $ 1,212 |
| Connecticut | Geico | $ 935 |
| Washington D.C. | Geico | $ 862 |
| Delaware | Geico | $ 1,077 |
| Florida | Geico | $ 1,554 |
| Georgia | USAA | $ 1,136 |
| Hawaii | Geico | $ 960 |
| Iowa | Nationwide | $ 881 |
| Idaho | USAA | $ 743 |
| Illinois | Geico | $ 798 |
| Indiana | Geico | $ 632 |
| Kansas | Nationwide | $ 1,032 |
| Kentucky | USAA | $ 1,538 |
| Louisiana | Southern Farm Bureau | $ 1,478 |
| Massachusetts | State Farm | $ 647 |
| Maryland | USAA | $ 863 |
| Maine | Auto-Owners | $ 690 |
| Michigan | Geico | $ 1,309 |
| Minnesota | Nationwide | $ 922 |
| Missouri | USAA | $ 849 |
| Mississippi | USAA | $ 963 |
| Montana | USAA | $ 928 |
| North Carolina | Kemper Insurance | $ 961 |
| North Dakota | USAA | $ 775 |
| Nebraska | Nationwide | $ 892 |
| New Hampshire | USAA | $ 735 |
| New Jersey | Palisades | $ 1,073 |
| New Mexico | Geico | $ 960 |
| Nevada | Geico | $ 834 |
| New York | Progressive | $ 825 |
| Ohio | Nationwide | $ 650 |
| Oklahoma | Geico | $ 1,087 |
| Oregon | Nationwide | $ 953 |
| Pennsylvania | Nationwide | $ 821 |
| Rhode Island | USAA | $ 962 |
| South Carolina | Nationwide | $ 1,183 |
| South Dakota | Nationwide | $ 1,035 |
| Tennessee | USAA | $ 966 |
| Texas | State Farm | $ 1,202 |
| Utah | Geico | $ 766 |
| Virginia | Nationwide | $ 779 |
| Vermont | USAA | $ 788 |
| Washington | USAA | $ 845 |
| Wisconsin | Geico | $ 749 |
| West Virginia | Geico | $ 917 |
| Wyoming | American National Finance | $ 857 |
Additional insights
Impact of vehicle type on car insurance rates: Choose the right vehicle for lower insurance costs
Car insurance rates can vary significantly from state to state due to differing regulations, traffic patterns, and other regional factors. While the impact of vehicle type on insurance rates remains consistent, the actual premiums charged for different vehicle types may differ across states. Here are a few examples
1. Sedans and compact cars: Sedans and compact cars, which are commonly used for daily commute and have good safety records, tend to have relatively lower insurance rates in most states. However, the specific rates may still vary depending on factors such as the vehicle’s make and model, the driver’s age and driving history and the state’s insurance regulations.
2. SUVs and minivans: SUVs and minivans are often favored by families due to their space and utility. These vehicles generally have moderate insurance rates, as they are considered safer and less prone to accidents. However, rates can differ across states due to factors such as theft rates, accident statistics, and repair costs.
3. Luxury cars and sports cars: Luxury cars and sports cars typically have higher insurance rates due to their higher values, increased risk of theft, and expensive repair costs. Moreover, their powerful engines and potential for faster speeds contribute to the increased likelihood of accidents. The rates for these vehicles can vary significantly across states, reflecting regional differences in risk factors and insurance regulations.
Conclusion
Understanding the average cost of car insurance in 2023 can provide valuable insights into the factors that impact your premiums. As we’ve seen, various elements, such as population density, accident rates, state regulations, and even weather conditions, can influence the cost of car insurance.
By staying informed about the average rates in your state, you can better evaluate the quotes you receive and make informed decisions about your coverage.
Remember to consider other factors like your driving record, the type of vehicle you own, and available discounts when assessing your insurance needs. Lastly, regularly reviewing your policy and shopping around for competitive rates can help you find the best coverage at a price that fits your budget. Safe driving and happy travels.
Frequently asked questions
How are car insurance rates determined by age and state?
Car insurance rates are influenced by age and state due to various reasons. Here’s how they impact your premiums:
Age: Younger drivers, especially teenagers, are considered higher risk because of their limited driving experience. As a result, insurance rates tend to be higher for younger individuals. However, as drivers gain more experience and reach middle age, their rates may decrease. Older drivers may experience higher rates due to age-related factors that can affect their driving abilities.
State: Car insurance rates can vary significantly from state to state. Each state has its own insurance regulations, accident rates, traffic patterns, and local crime rates. These factors influence the overall risk associated with insuring a vehicle in a particular state. Urban areas with higher population densities and greater traffic congestion often have higher rates compared to rural areas.
What factors contribute to the differences in car insurance rates between genders and states?
Several factors contribute to the differences in car insurance rates between genders and states. Here are some key considerations:
Gender: Historically, car insurance rates were higher for male drivers due to statistical data showing higher accident rates among men. However, in recent years, many states have enacted legislation prohibiting gender-based rating differences, leading to more gender-neutral rates.
States: Car insurance rates vary based on state regulations, traffic patterns, accident rates, and local crime rates. Each state has its own set of factors that impact insurance premiums. These factors may include population density, frequency of accidents, repair costs, and legal requirements.
How can I find the cheapest car insurance rates in my state?
To find the cheapest car insurance rates in your state, consider the following steps:
Shop around and compare quotes: Obtain quotes from multiple insurance companies to ensure you’re getting the best possible rates. Online comparison tools can simplify this process and provide you with a range of options to choose from.
Maintain a clean driving record: Avoid accidents and traffic violations, as they can increase your insurance rates. Safe driving habits can lead to lower premiums over time.
Consider safety features and anti-theft devices: Installing safety features and anti-theft devices in your vehicle can not only enhance your safety but also potentially lead to discounts on your insurance premiums.
Opt for a higher deductible: Choosing a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your insurance premiums.
Ask about discounts: Inquire about available discounts, such as multi-policy discounts, good student discounts, or discounts for completing a defensive driving course. These can help reduce your insurance costs.
Methodology
CompuQuote commissioned Quadrant Information Institute to gather the data for average car insurance rates by state for drivers of all ages. The data is based on the profile of individuals driving a 2021 Honda Accord, carrying full coverage car insurance, and having a good insurance score and driving record. To analyze the data we compared 5,68,38,240 insurance quotes of 41 company groups across different ZIP codes.
